Reconcile estimate and final categories line by line
Use the newest valid estimate.
Enter the final costs in the matching groups.
Ask about each increase and lost credit.
Place both dated disclosures side by side
- The latest valid Loan Estimate
- The final Closing Disclosure
- Written explanations for changed circumstances
- Contract deposits, lender credits and seller credits
Trace a higher charge and a reduced credit
Final loan costs rise and a credit falls
Enter estimate and final totals by category rather than comparing only cash to close. The net change shows where to ask questions; it does not decide whether a change is permitted. Trace each increase, missing credit and provider change to the underlying line item and written explanation.
Use the net change to form precise questions
Net change adds cost increases and subtracts additional credits; legal tolerance depends on the charge and circumstances.
Closing Disclosure vs. Loan Estimate: How to Find Changes covers the controlling document terms and questions outside this result.
The disclosure changes this worksheet exposes
Make estimate-to-final cost changes visible by category.
Why a difference is not automatically a violation
- Tolerance classification
- Timing and prorations
- Changes outside entered categories